Many motorhome owners mistakenly believe that their home contents or comprehensive car insurance will protect them in case of theft. However, standard home contents insurance does not apply to a motorhome, and fully comprehensive insurance only covers damage from accidents and vandalism, not personal belongings inside.
Available insurance types
- Compulsory third-party liability insurance — covers damage caused to others.
- Partial comprehensive insurance — covers theft of the motorhome itself and damage from natural disasters, but not its contents.
- Fully comprehensive insurance — can cost up to 1000 euros per year and covers damage from accidents and vandalism.
- Camper contents insurance — a special policy that protects personal belongings inside the motorhome.
Personal items in a motorhome are usually not covered by any standard motor insurance. To protect them, it is advisable to take out separate contents insurance.